Washington County property record for 109 Drew Cir, Smithsburg, MD 21783
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,720 sqft · built 2004 |
| Lot Size | 0.255 acres (11,115 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $208,097 (Jan 2004) |
| Tax Bill | $2,906 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Nov 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-034636 |
| Primary APN | 07-034636 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,720 sqft Total Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,115 sqft (0.255 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 80 sqft |
| Deck Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 034636 |
|---|---|
| Street Address | 109 DREW CIR |
| City | SMITHSBURG |
| State | MD |
| Zip | 21783-1593 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 370 0.26 ACRE 109 DREW CIR WHISPERING HILLS |
| Legal Subdivision | WHISPERING HILLS |
| Legal Block | 6 |
| Legal Lot Number | 370 |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 7, SMITHSBURG |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 11301 |
Source: Washington County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 109 DREW CIR, SMITHSBURG, MD 21783-1593 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 20, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Dec 10, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 21, 2004 · Amount on Record |
| Deed Sale | Jan 21, 2004 · Amount on Record |
| Deed Document Number | 200430139 |
| Deed Book / Page | 2236 / 425 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | May 28, 2026 |
| Property Address | 109 DREW CIR, SMITHSBURG, MD 21783-1593 |
| Document Number | 7935000392 |
| Book / Page | 7935 / 392 |
| Instrument Date | May 19, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET CLOSE |
| Name | Verified Name |
|---|---|
| Address | 109 DREW CIR, SMITHSBURG, MD 21783-1593 |
| Document Number | 7935000392, |
|---|---|
| Date | May 28, 2026 |
| Book Page | 7935/392 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Jun 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 109 DREW CIR, SMITHSBURG, MD 21783-1593 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2025 |
| Title Company | UNKNOWN, ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 109 DREW CIR, SMITHSBURG, MD 21783-1593 |
| Document Number | 0078060125 |
|---|---|
| Date | Nov 20, 2025 |
| Book Page | 7806/125 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 109 DREW CIR, SMITHSBURG, MD 21783-1593 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0064710388 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | 6471/388 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 129 Months |
| Due | Oct 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 109 DREW CIR, SMITHSBURG, MD 21783-1593 |
| Document Number | 0061480179 |
| Instrument Date | Dec 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 DREW CIR SMITHSBURG MD 217831593, SMITHSBURG, MD 21783-1593 |
| Document Number | 0061480179 |
|---|---|
| Date | Jan 2, 2020 |
| Book Page | 006148/000179 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2035 |
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Municipality | Smithsburg Town |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,906.00 (+8.72%) | $319,000 (+8.73%) | $344,600 (-) Land $65,500 Building $279,100 |
| 2025 | $2,673.00 (+11.79%) | $293,400 (+12.24%) | $344,600 (+28.68%) Land $65,500 Building $279,100 |
| 2023 | $2,391.00 | $261,400 | $267,800 Land $65,500 Building $202,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 14, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2006) |
| Most Recent Claim | Jun 2006 · tidal / storm surge |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 90% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF SMITHSBURG DISTRIBUTION SYSTEM serves 2,500 people · EPA ID MD0210018 |
|---|---|
| Water Source | Purchased surface water from CITY OF HAGERSTOWN |
| Last State Inspection | Mar 2026 |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 295 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Fiber · Cable | 2,300 / 2,300 |
| Xfinity Fiber | 2,000 / 250 |
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